PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

McPherson Co-op

McPherson, KS · Charter 65371

NCUA · 1 branch

Q2 2026

$44.0MAssets
$38.4MLoans
$39.6MShares
$4.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, down 88 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 0.11% of loans (+11 bps YoY).
  • Capital: net worth / assets of 9.74%, up 68 bps from a year ago.
  • Funding: loans stand at 96.90% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.00%-88 bps YoY

Net Interest Margin (quarter, annualized)

4.89%+64 bps YoY

Efficiency Ratio (quarter, annualized)

81.32%+1,332 bps YoY

Net Worth / Assets

9.74%+68 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.42%2.27%1.88%1.58%1.25%0.88%1.00%-88 bps
Return on Equity7.10%5.08%26.64%20.70%16.90%13.74%9.54%10.25%-1,045 bps
Net Interest Margin3.94%4.00%3.91%4.25%4.42%4.41%4.67%4.89%+64 bps
Efficiency Ratio85.51%88.47%63.36%68.00%72.57%77.06%83.22%81.32%+1,332 bps
Growth
Asset Growth (YoY)-5.18%-2.52%-2.95%-0.99%1.11%4.55%1.88%1.85%+284 bps
Loan Growth (YoY)-4.76%-1.64%0.25%-1.94%-0.67%3.53%4.06%3.70%+564 bps
Share Growth (YoY)-4.39%-3.20%-4.13%-2.14%0.98%3.58%1.06%1.08%+322 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.02%0.00%0.11%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.26%8.21%8.53%9.06%9.33%9.10%9.27%9.74%+68 bps
Net Worth / Assets8.26%8.21%8.53%9.06%9.33%9.10%9.27%9.74%+68 bps
Liquidity & Funding
Loans / Shares94.77%94.51%90.43%94.46%93.22%94.46%93.11%96.90%+245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps